@Jill DavisTypically banks (depository institutions) are most competitive with jumbo since these programs are typically portfolio products.

Their whole product is dreadful, the UX sucks on mobile and on an actual computer, and honestly the only thing they were ever good for was the electronic signing of documents and no one NEEDS them for that.

Its a smart product that gives protection beyond the usual investment.

FL, NY, MD, CA, VA, NJ,Horizon BankKalamazoo MIHuntington MI 75% LTV 5 yr IO product available.

3. delivery - deliver the service/product you promised you'd do in the sales transaction.

Sell the product because the course works.

Someone will eventually come along and offer a better product for a better price.

Some of the adjustable products, the payment stays the same, but the principal to interest allocation changes to the point where people are only paying interest and are now in a negative amortization where the amount they owe is actually going up.

It was a very productive visit.  

A very productive successful year to everyone of you!